Open Enrollment for the Marketplaces – May Affect Large and Small Employers, Whether Fully Insured or Self-Funded

Open enrollment for the individual marketplaces for 2015 coverage will run from Nov. 15, 2014, through Jan. 15, 2015.  Coverage would begin on Jan. 1, 2015, for individuals enrolling from Nov. 15 through Dec. 15, 2014, and on Feb. 1, 2015, for those enrolling from Dec. 16, 2014, through Jan. 15, 2015.

For 2014, a person may enroll in a Federally run Marketplace as late as Dec. 23, 2013, and be eligible for coverage as of Jan. 1, 2014. State-run Small Business Health Options Programs (SHOPs) may use either Dec. 15, 2013, or Dec. 23, 2013, as the cut-off for a Jan. 1, 2014, effective date.

If you would like more information on the Exchange, or the Individual Mandate, please Contact Us.